Because at least half of the people the article targets are below average people.Average homeowner: should probably pay down that mortgage because most are not financially intelligent and this forces them to save at least some of their money for retirementSavvy investor: should leverage as much money as possible at any interest rate that allows a comfortable cashflow with room for unexpected items.Obviously there might be some overlap and no one answer can apply to everybody.

Remember they are there because the hospital is short staffed, so it is safe to assume the workload they carry is heavier than normal.A few upsides, if you overlap your leases (typically 13 week contracts for them with possible extensions), you might be able to minimize the effect of any vacancies by having only one room vacant at a time and the other 3 rented. 

The issue that I'm having is that they won't allow overlapping leases.

Many insurance companies use outside companies and these overlap so there is a good chance the next insurance company you go to will have access to the report.

I've had a couple of major issues with apartments.com that are clear deal breakers:- Unable to end leases and remove residents for one side of a duplex because the other side had a longer lease with overlapping term.

Brandon Turner put together a really helpful post earlier this year about how to analyze multi-family properties - and this approach probably has some overlap with SFRs. http://www.biggerpockets.com/renewsblog/2013/04/09/how-to-buy-a-small-multifamily-property/It's one perspective to consider, as long as you take into account the differences that are clearly inherent between a SFR and a multi-family property.

Are you planning on continuing with the vacation rentals as you expand into residential...I'm just curious if you'll find much overlap?

If you get separate polices and each have Liability coverage there could be overlap.  

I think it is a different group but there could be some overlap of members.

It gives people a 2 week overlap to move their stuff in to the new place and out of the old one. then with the next turnover, market it as available on the 1st of the month.